Florida health insurance does not have to be expensive. To keep premiums down, you need to have access to multiple quotes. We are one of the largest online health insurance agencies and represent most "A" rated health plans in the state. You get quotes from multiple companies with one phone call.
This web page has a ton of important information. We realize that not all of you will want to read through it. If that's the case, you can give us a call (800-272-0512) with your questions or to receive a fast quote.
But, if you have a little time, scroll through the page and look at the articles that are of interest to you. They are all very short. Bookmark the page so you can come back to it later. There is always something new.
Call now at 1-800-272-0512
for immediate quotes
Finding Affordable Health Insurance
Like everyone else, you want to get the most coverage for the lowest premium. However, getting a quote for health insurance is not as straightforward as we would like. This brief article will show you how to compare plans and what questions you should be asking the agent. If you are interested in how the new healthcare legislation will affect your health insurance, then read the article entitled How the Healthcare Act will Affect Health Insurance.
Child Only Health Insurance
Health plans for children without a parent on the plan is available for children from the age of 30 days to 18 years of age. These are full major medical plans and a parent does not have to be on the plan. For detail on how you can obtain child only health insurance use this link. Or, visit a web site dedicated to health insurance for children
Florida Maternity Plans
If you need to have a plan with maternity coverage we might be able to help you. We also have supplemental plans that might end up being less expensive than adding a pricey maternity rider. A few minutes reading our maternity insurance page will clear things up for you and answer the questions I know you have.
But, if you want a traditional health insurance plan with a maternity rider, we might be able to help you with that as well. Keep in mind that there will be waiting periods. If you are already pregnant, we wish you the best of luck but cannot insure you until after the delivery.
Guaranteed Issue Health Insurance
Health insurance is medically underwritten and not everyone will qualify. We do have indemnity style health plans that do not have any health questions at all. If you would like an overview of these plans and links to get more complete information, I suggest you visit our guaranteed health insurance plan page for information.
Coverage for Non-Citizens
If you have been in the United States for at least 6 months, have a social security card, under the age of 65 and are generally in good health, I can offer you a regular health insurance plan. You do not need anything special.
Otherwise, we will need to use an international health insurance plan or temporary health insurance.
We have a PPO dental plan that covers most procedures without any waiting period. the national PPO network is very large and you can go to any dentist you want. We have been waiting a long time for a plan like this. Click here to look at our Florida PPO Dental Insurance Plan details and quotes.
You can also get a hybrid plan that pays out money directly to you or your dentist but includes a PPO network. Use any dentist you want. PPO Dental plan hybrid - Online Site with Information and Signup
We also have other types of dental plans. Some plans are as little as $15 a month for an entire family. You can call me for details or go to a more comprehensive site that shows both dental insurance and dental plans.
Coverage for Preexisting Conditions
What about pre-existing conditions? Want to know whether they will be covered or not? We have a plan that will not place any riders on your preexisting conditions provided you are accepted by the carrier. Learn more about coverage for your preexisting conditions with this link.
For one reason or another, a lot of people are looking for a plan that only covers their prescriptions.Do such plans really exist? Will you be able to buy a plan that will actually pay for your expensive prescriptions. I suggest you take a few minutes and look at our informative article on prescription insurance plans.
Florida Group Health Insurance
Group health insurance is more expensive than private health insurance. You can get groups of 1, 2 or 3 employees directly from the carrier. We do offer group health insurance plans for groups of four or more full time employees. Our rates for group health insurance are the lowest in the state.
Everyone is looking to save money on their group health insurance. We can do a lot more than just give you the same quote you can get from everybody else. If you would like more information on group health insurance, use this link.
Florida HSA - Health Savings Accounts
HSA (Health Savings Accounts) are tax advantaged health insurance plans that are available to everyone. You do not have to be self-employed. You can end up with a tax write off that almost pays your insurance premiums.
While the plan can help anyone lower their premiums, it seems to work best for those individuals and families that are willing to contribute to their savings plan each year. The higher your tax bracket, the more appealing this type of plan becomes.
If you are paying a lot of money for a family plan and everyone in the family is reasonably healthy, the Florida HSA plans will save you a lot of money each year. I will be glad to explain the details.
To learn more about HSA plans available to Florida residents, please click on this link.
Temporary Health Insurance
plan has no networks - use any doctor and any hospital. Low
cost with deductibles as low as $250. The underwriting is very simple
and they will issue the plans the very next day. You can even download
your policy and ID card.
We compared the rates with all of the other temporary health insurance plan and this one is the cheapest.
Travel insurance will cover a citizen or non-citizen when they travel from their home country to a destination abroad.
You can get a plan for week long cruise or an extended stay. Some are full health insurance plans with PPO networks and others are designed for the vacation traveler.
International students will also find these plans perfect as they generally meet or exceed the health insurance requirements of most universities.
We have a lot of different plans from a number of major companies. I suggest you have a look at our travel insurance page and use the links you find there to get a closer look and quotes for the plans.
Articles on Florida Health Insurance You Should Read
Getting quotes for health insurance plans online is not the best way to go. You will not get quotes for every company and have a high probability of not getting the coverage you think you are purchasing. Take 5 minutes to call and speak to me personally. You will get a custom health insurance quote, I will explain the benefits to you until you understand them and.you will end up paying less than if you try to do it on your own. Plus, you will have a personal agent who will shop for the "cheapest" plan for you at each renewal.
Health Insurance Underwriting - This is an ongoing series of articles about obtaining a health insurance plan for individuals with specific pre-existing conditions.
Part 1 - Health insurance coverage and cancer - requirements for cancer survivors
Part 2 - Health insurance and your weight - what are the height/weight guidelines
Part 3 - Health insurance and colitis - obtaining health insurance with ulcerative colitis
Direct Health Insurance Quotes
If you submit our online health insurance quote request form, we call you within 24 hours or less. This is the best way to shop for individual health insurance. I cannot send you a blind quote without speaking to you. It just does not work out to your advantage. You will have no idea what you are looking at and I cannot shop around to get you the best price.
You cannot get lower prices by calling the health insurance carrier. It does not work that way, so you might as well get some service and quotes from all the major companies in one phone call.
For faster service, forget the email and call me between 9 AM and 8 PM Monday - Thursday and until 6 PM on Friday. If I do not pick up, leave a message. I will call you back - I promise.
If you leave a message, please talk slowly and clearly. Make sure I have enough time to write down your name and number. If I can call you in the evening or on weekends let me know.
I will give you quotes from all the major Florida health insurance carriers, expert advice and someone who will be there when there is a problem. This is not a boiler room with a new agent every time you call. Dealing with an honest salesperson is an entirely new experience for many of you, so be prepared.
Call now at 1-800-272-0512
for immediate quotes (9 AM to 9 PM weekdays)
Health Insurance Facts
These quick tips are not a substitute for our Health Insurance Buyer Guide, but you should find them helpful
1. Health insurance rates are approved by the Florida's Department of Financial Services. There is no such thing as bargaining. The rates are fixed. If ABC Insurance says the plan is $200 a month, all 10,000 agents who carry the plan will charge $200 a month. It is not like buying a car. When someone tells me they are shopping around, I think to myself "Boy, this guy ever going get screwed.".
2. Understand your coverage before you send in the check. If the plan has limitations on benefits, you need to know it in advance. Half the people I talk to don't know who their plan is with, their wife's or kids birthdays or if they ever had a serious illness. Then again, the 70's are a complete blur.
3. Health insurance plans that have limits on days in hospital, daily hospital reimbursements limits, number of doctor visits per quarter or year, or per illness dollar limitations are not recommended. If someone is pushing a plan like this on you - TASER them bro.
4. Low deductible health insurance plans make insurance
companies rich. They are not cost effective. I would rather have
a high deductible plan and be able to afford some disability insurance
and have adequate life insurance (or maybe take a vacation) then
load up on low deductible health insurance.
6. Florida has a healthy kids program if you meet income requirements.
7. In Florida you will find that health insurance plans are not guaranteed issue. If you have preexisting conditions they might refuse coverage. Make sure you discuss these concerns with your agent. If an agent ever hints that you should conceal something, get rid of the agent pronto. You are committing a crime (felony in Florida) and you will find yourself without coverage. We do have guaranteed issue plans available.
8. Florida health insurance plans do not always pay for preexisting conditions. If you have a medical condition that requires a prescription, regular medical care or have been told that you will require surgery in the future, it might not be covered. No, there are no laws that will force them to cover it. I don't care what your neighbor, friend or brother-in-law told you.
If you have a PPO plan you are entitled to the discounted PPO rate
for services. So a doctor visit might still only cost $35 or $40
instead of $75, and a lab fee $15 instead of $60. Learn how to take
advantage of PPO discounts. It will save you a fortune. Ask me and
I will explain it to you. You cannot make an intelligent decision
about your coverage levels unless you understand this information.
The Internet can be useful when shopping for Florida health insurance.
After all, you found me didn't you? Unfortunately, most of the people
you will contact on the Internet will not be licensed agents. They
will be national marketing companies that will sell your name and
phone number or e-mail addresses to the highest bidder for insurance
leads that week.
Want to save money on your health insurance? Of course you do. Give me a call, I am not as crazy as I sound and I promise I will only take a few minutes of your time. You can hang up anytime you want - although it would unbelievably rude. Give me a call or a number where you can be reached. If you leave a message, give me a break, I don't take shorthand. Some people sound like they are on speed when they leave a number.
FLQUOTE.COM - A Full Service Insurance
agent living and working in Florida
Florida license number A301602